la ta, indi dai, i am a willing guinea pig for your experiment....and i don't need visits to strip clubs- but one to nepal would be most welcome! :) ani nirman-ji, maile khoji rahechhu.... actually, now that i think about, this "heart insurance" is kind of like a pre-nuptual agreement! hatterika....the amrikan capitalist system beat you to it, indi! so, perhaps you should pursue the insurance policies that deal with "preventing the calamity beforehand". just a thought.... ani m-rose, sadly, you do make sense and i know exactly what you mean....